Just Cashflow plc – Factsheet

4 Year CorporateBond (Debentures)

Bond Maturity Date / Capital is repaid on 31st December 2021
Coupon Paid / 6 monthly (31st December, & 30th June)
Coupon (interest per annum) / 8.75%
Minimum Investment / £2,500
Further denominations / £100
Listed / (ISINGB00BZ97CT93)
Credit Rating / Arc Ratings SA, rated Esher Marwick Just Cashflow Plc bond:
A (Investment Grade)
Maximum term / 4 years (Subject to date purchased)
Security / The Bonds are secured by way of debentures. Investors have a charge over all the assets of the Company, held by FCA authorised trustee, Woodside Corporate Services Ltd. Just Cashflow Plc. Have security against all their loans.

IS THE BOND ISA QUALIFYING?

Yes, as the bonds are quoted on a stock exchange they can be held in an ISA. Theycan also be purchased as a cash investment in a GIA (general investment account), but interest is paid net of tax. They can also be held in a SIPP (Self Invested Personal Pension).

WHO ARE JUST CASHFLOW PLC?

Just Cashflow are part of the award winning Just Loans Group Plc. They are a specialist secured lender providing flexible lines of credit to UK SME businesses. They offer revolving credit facilities and prepaid Matercards. Security is taken over the borrowers assets. Now a member of the British Banking Association, the group are breaking new ground in alternativefinance. They are helping British industry by making positive and responsible lending decisions where the high street Banks are still reluctant to lend.They have a strong relationship with their investors and value their support by offering on-going attractive terms to both new and existing investors.

INDUSTRY RECOGNITION

The Just Loans Group Plc have been recognised with a number ofindustry awards:

  • Nominated in two categories for the Business Moneyfacts Awards 2016
  • Highly Commended in the Business Product Innovation of the Year Award 2016:
  • The BusinessPlus MasterCard fromJust Cashflow
  • Best Service from a Bridging Finance Provider: Just BridgingLoans plc
  • Commended in the Business Product Innovation of the Year
  • Business Moneyfacts Awards 2015
  • Winner of Client Choice Award for Best Commercial Property
  • Lender Corporate Live Wire 2016 Finance Award

INVESTMENT CHARACTERISTICS

This is a fixed income investment that will have full security over adiversified pool of SME loans.Some key facts related to the loans and lending criteria:

  • First charge security over assets
  • Security is over-collateralised
  • Bonds rated as Investment Grade (A)*
  • Average loan size circa £30,000
  • Responsible lender – only 8% of applications are approved
  • All loans are asset-backed, resulting in zero capital losses to date
  • Rules based and experienced underwriting systems allowresponsible and capital protected lending deserving customers on a case by case basis
  • All JCF lending is fully asset backed with borrowers andcontinually monitored for adverse risk alerts thus creating alow risk, high return product and service
  • SME lending is an essential and fast growing aspect of theUK economy (see below)
  • Repayments are secured through revolving credit debentures and additional guarantees from SME borrowerscovers potential default risk.

Management Expertise

The Just Loans Group plc is one of the sector leaders and the first

alternative commercial lender to be aProfessional Associate Member of

the British Banking Association.

Fundamental Trends

Banks continue to lose ground to alternative finance companies. JCF is

one of the market leaders and continues to expand its market share of

SME lending.

Risk Management

JCF have a zero capital loss policy and employ specialist proprietary

technology, PropensityPlus, for efficient credit underwiting and

monitoring as well as a highly experienced team with significant

mortgagelending experience.

Source: Just Cash Flow PLC

* Rating completed by ARC Ratings SA - Full report available:

Risks attaching to this investment

The Company is offering for subscription quoted securities comprising its Debentures. The value of investments can go down as well as up and prospective investors may not get back the full amount originally invested. Investors should be aware of the risks of investment in such companies and should make the decision to invest only after careful consideration and, if appropriate, consultation with an independent financial adviser. Before investing, prospective investors are strongly recommended to consult an authorised person specialising in advising on investments of the kind described in the Information Memorandum or Prospectus.Investors must be prepared to take a medium to long term view of their investment. There is no guarantee that the application to have the Debentures quoted will be successful or that there will be a liquid market for the Debentures if the application is successful.